Looking for mortgage relief but not sure which option is right for you? Our interactive Mortgage Help Navigator will assess your current situation and steer you in the right direction.

Your Mortgage Lender

Call your lender – the company to which you make your mortgage payments – immediately if you are having difficulty paying your mortgage on time. Your mortgage lender may have options to help you make your payments more affordable or to avoid foreclosure. The telephone number and mailing address of your mortgage lender should be listed on your monthly statement and coupon book. Learn how to prepare for your conversation with your lender.

If Freddie Mac does not own your mortgage, contact Fannie Mae at FannieMae.com or 1-800-7Fannie to see if they own your loan.

If neither Freddie Mac nor Fannie Mae owns your loan, ask your lender if they participate in the federal Making Home Affordable Program that offers HARP, HAMP, and other alternatives. If so, they can help you determine your eligibility.

If you are not eligible for the federal HAMP or HARP options, don't give up! Ask your lender about other options to make your payments more affordable or to avoid foreclosure.

Freddie Mac Borrower Help Centers

If you are a homeowner with a Freddie Mac-owned mortgage and you are behind on your monthly bills (including your mortgage), free, confidential financial counseling assistance is available. Choose either in-person assistance through a local Freddie Mac Borrower Help Center in your area, or call our national Borrower Help Network participant.

HUD-approved counselors will work with you to:

Provide free, confidential financial counseling;

Review your current income and expenses and provide options to your financial challenges; and

Assess your options for avoiding foreclosure.

There is no obligation for you to take any action after your financial counseling session.

Northeast

New York StateCenter for NYC Neighborhoods*855-HOME-456 – phonewww.cnycn.org

* Free assistance, either in person or by phone, will be offered by a nonprofit affiliate of the Center for NYC Neighborhoods. Call the Center and ask for the name of the member organization nearest you.

Free phone assistance is available through our national Freddie Mac Borrower Help Network if you do not have a Borrower Help Center near you:

Housing counselors can help you contact and work with your lender to get help with your mortgage, and also provide budget and credit advice. Regardless of who owns your mortgage, housing counselors are available to assist you free of charge.

HFA Mortgage Assistance Programs

In 2010, the federal government created the Hardest Hit FundSM to help state Housing Finance Agencies (HFAs) provide financial assistance to homeowners in states hit hardest by the housing crisis and economic downturn. Programs that are supported by the Hardest Hit Fund vary by state – as do requirements for eligibility – and may include:

Mortgage payment assistance if you are unemployed or underemployed

Mortgage reinstatement programs to help you get current on your mortgage

Modification assistance to help you secure a more affordable mortgage

Assistance to help you transition into more affordable housing

To see if your state received Hardest Hit Funds, and if so whether you may qualify for financial assistance through your state’s Hardest Hit Fund, visit the web site and reach out to your state’s HFA for more information.

Other Trusted Sources for Help

Your lender wants to help you and should be your first call for assistance. However, if you still have questions or need additional guidance after talking to your lender, you may contact a Freddie Mac representative at 800-373-3343 and selecting option #2.

Additionally, the following organizations can help you find local counseling services that provide holistic financial counseling, from financial education to foreclosure prevention.

Your lender wants to help you and should be your first call for assistance. However, if you still have questions or need additional guidance after talking to your lender, you may contact a Freddie Mac representative at 800-373-3343 and select option #2. We are open Monday through Friday between 8:30 a.m. – 7:00 p.m. ET.